Debit card with smart cashback from Sovcombank

Sovcombank does not charge any fee for issuing the card. You also will not have to pay for its annual maintenance. If you want to receive notifications about deposits and withdrawal transactions, you can activate the corresponding alert service. It is also completely free.

You can top up your card for free at Sovcombank's own ATMs and cash desks without any limits. You can also do this at ATMs of other lending institutions, such as Alfa-Bank, MKB, VTB, Otkritie, and others, for amounts up to 150,000 RUB per month with zero commission. If you exceed this limit, your overpayment will be 0.5%, up to a maximum of 1,500 RUB.

You can withdraw cash from your card for free at Sovcombank's own ATMs and cash desks. In this case, the limit is 150,000 RUB per month. If exceeded, you will need to pay a 1.9% fee. You can also withdraw cash fee-free at ATMs and cash withdrawal points of other credit institutions. Here, the limit is the same 150,000 RUB per month. For exceeding it, you will need to pay an extra 1.9%.

If you withdraw cash from the card at ATMs and cash withdrawal points of other banks in amounts up to 3,000 RUB per transaction, you will need to pay a fee of 99 RUB.

You can transfer money for free between your own accounts up to 30 million RUB per month, as well as to other Sovcombank clients. In addition, you can send funds free of charge to cards of credit institutions by phone number via the Faster Payments System up to 150,000 RUB per month. If you exceed this limit, you will need to pay a 0.5% fee, but not more than 1,500 RUB.

Bank account transfers are subject to a fee. The fee for such transactions is 2%, with a minimum of 99 RUB and a maximum of 1,500 RUB.

The card offers a fairly profitable bonus program. By paying with the card, you can receive:

• 1% cashback on regular purchases;
• up to 10% cashback on purchases in five selected categories.

The following increased cashback categories may be assigned to you: 

• Air and train tickets.
• Pharmacies.
• Children's goods.
• Home and renovation.
• Pets.
• Beauty.
• Medicine.
• Education.
• Clothing and footwear.
• Travel.
• Entertainment.
• Restaurants and cafes.
• Sports goods.
• Supermarkets.
• Fuel.
• Transport.
• Photo and video.
• Flowers.
• Electronics.
• Jewelry.

The card with smart cashback does not provide for the accrual of interest on the card account balance. If you have savings and want to earn a small income from them, you can open a savings account with Sovcombank. Its maximum yield is 14.5% per annum.

Benefits in the form of free services:

• card issuance;
• card maintenance;
• use of the mobile app and online banking;
• card replenishment at Sovcombank ATMs and cash desks without restrictions, and at devices of other banks up to 150,000 RUB per month;
• cash withdrawal at Sovcombank ATMs and cash desks, as well as ATMs and cash withdrawal points of other credit institutions up to 150,000 RUB per month;
• transfers between own accounts and to other Sovcombank clients, as well as clients of other credit institutions by phone number via the Faster Payments System up to 150,000 RUB per month;
• accrual of cashback up to 10% of the purchase amount;
• accrual of up to 14.5% per annum on the savings account balance.

Cons:

• fee-based transfers to clients of other credit institutions by card number;
• no interest accrued on the card balance.